What if the day comes when you or your spouse is no longer able to make decisions about your health, finances, or future? Whether due to illness, injury, or age, losing the ability to manage your affairs can happen unexpectedly. In estate planning, capacity is the key factor that determines whether you can create or update essential documents like a will or power of attorney. So, how do you know when it's too late to act, and what happens if you miss your chance? Let’s explore why planning ahead is the best way to protect yourself and your loved ones.